Travel Insurance 2016 Pre-Travel and Travel Policies Valid for trips within Europe only (see definition on page 11)

Transcription

1 YOUR IMPORTANT INFORMATION IF YOU NEED TO DECLARE A MEDICAL CONDITION OR MAKE ANY CHANGES TO YOUR POLICY Contact Travel Administration Facilities on: +44 (0) OPEN 8AM 8PM MON-FRI, 9AM 5PM SATURDAYS IF YOU NEED EMERGENCY MEDICAL ASSISTANCE ABROAD OR NEED TO CUT SHORT YOUR TRIP Contact Emergency Assistance Facilities 24hour medical advice line on: +44 (0) Travel Insurance 2016 Pre-Travel and Travel Policies Valid for trips within Europe only (see definition on page 11) IF YOU NEED TO MAKE A CLAIM ON YOUR TRAVEL POLICY You can download the relevant form: Or contact Travel Claims Facilities on: +44 (0) This insurance is arranged on behalf of Villa Plus by Infinity Insurance Solutions Ltd. Infinity Insurance Solutions Ltd is authorised and regulated by the Financial Conduct Authority. Our FRN is Master policy number ITXVP A & B This policy is for residents of the United Kingdom and the Channel Islands only For Policies issued from 01/09/2015 to 31/08/2016 with travel before 29/03/2018 Villa Plus is an Appointed Representative of Travel Insurance Compliance Services, (a trading name of Maintenance Assist Limited) for the sale of Connected Travel Insurance. Maintenance Assist Limited is authorised and regulated by the Financial Conduct Authority, FRN This insurance is underwritten by Travel Insurance Facilities plc and insured by Union Reiseversicherung AG, UK Branch.

2 Page Contents 1 Policy Information 2 Summary of cover 3 Criteria for purchase & important contact numbers 4 Disclosure of your medical conditions 5-6 What to do in a medical emergency 7 How to make a claim 8 How your policies work 9-10 Definitions 11 Exclusions applying to your policies Policy A Your pre-travel policy Section 12 If you are unable to go on your trip A Policy B Your travel policy Section 13 If your travel plans are disrupted B1 14 If you need emergency medical attention B2 15 If you have to come home early B3 16 If your possessions are lost, stolen, damaged or delayed B4 17 If your cash or passport is lost or stolen B5 17 If you are mugged or hijacked B6 18 Personal liability B7 18 Accidental death and disability benefit B8 19 If you need legal advice B9 Other information 20 Additional sports and activities 20 Complaints procedure Our pledge to you Page 1 It is our aim to give a high standard of service and to meet any claims covered by these policies honestly, fairly and promptly. We occasionally get complaints and these are usually through a misunderstanding or insufficient information. Any complaint will be investigated at once and the matter resolved as quickly as possible. Policy information Your insurance is covered under two master policy numbers, ITXVP A, your pre-travel policy and ITXVP B, your travel policy, specially arranged by Infinity Insurance Solutions Limited and insured by the United Kingdom and Republic of Ireland Branch Office of Union Reiseversicherung AG. Cover is provided for each passenger who is shown as having paid the insurance premiums and whose name is shown on the Villa Plus booking confirmation. This insurance policy wording is a copy of the master policies and is subject to the same terms, conditions and exclusions of the policies. No refund of the insurance premium will be given after the policies have been issued unless, after receipt, you find that the terms, conditions and exclusions do not meet your needs. In this case you must return the policy and premium receipt to us within 14 days of purchase for a refund to be considered. (Please refer to page 8 for more information). When your two policies start and end The cover for Policy A, as described under section A of the pre-travel policy, starts from the commencement date of cover shown on your Villa Plus booking confirmation, after the policy was issued and ends when you leave home to start your trip. The cover under policy B starts when you leave home as shown on your Villa Plus booking confirmation and ends on your return home or expiry of the policy, whichever is the first. No further trips are covered. Extension of period In the event of either your: death, injury or illness during your trip, delay or failure of public transport services during your trip, you are unable to complete the trip before your travel policy expires, cover will be automatically extended without additional premium for the additional days necessary to complete the trip.

3 Sums Insured and your contribution to each claim Page 2 The sums insured shown are the maximum amount payable under the policies for each insured person The contribution shown is the amount that each insured person must contribute towards a claim for each and every incident. The table below is designed to show you what cover may be available under this insurance, and is subject to the terms, conditions and exclusions detailed in the policy SECTION PAGE COVER NAME COVER IS AVAILABLE UP TO YOUR CONTRIBUTION A 12 If you are unable to go on your trip 3, (deposit only claims 25) If your departure is delayed by 12 hours or more 20 for each 12 hours up to 100 in total Nil B1 13 B2 14 If your choose to cancel after a 24 hour delay 3, If you miss your outbound departure 800 Nil If you need emergency medical attention 2,000, Public hospital inconvenience benefit 20 for each 24 hours up to 300 in total Nil B3 15 If you have to come home early 3, B4 16 B5 17 B6 17 If your possessions are lost stolen or damaged (NB please refer to policy for item limits) 1, If your possessions are delayed by 12 hours 200 Nil If your cash is lost or stolen If your passport is lost or stolen 250 Nil If you are mugged 50 for each 24 hours up to 250 in total Nil If you are hijacked 50 for each 24 hours up to 250 in total Nil B7 18 Personal Liability 1,000, ( 200 for damage to your trip accommodation) B8 18 Accidental death & disability benefit 10,000 Nil B9 19 If you need legal advice 10,000 65

4 Criteria for purchase Page 3 This insurance is sold on the understanding that you and anyone travelling with you and named on the schedule of insurance: Have not started the trip. (see definition on page 10) Are a resident* of the United Kingdom or Channel Islands. Are not travelling specifically to receive medical treatment during your trip or in the knowledge that you are likely to need treatment. Will take all possible care to safeguard against accident, injury, loss or damage as if you had no insurance cover. Are not taking a trip which involves a cruise unless you have paid an additional premium. (see definition on page 9) * We define a resident as being someone who has their main home in the United Kingdom or the Channel Islands and has not spent more than six months abroad in the year before buying this policy Accurate and relevant information You have a duty to take reasonable care to answer questions fully and accurately, and that any information you volunteer is not misleading. This applies both when you take the policy out and at any time during the policy period. If you do not do so, we reserve the right to void your policy from inception. In the event that it becomes necessary to do this, we will give you seven days notice of cancellation of the policy by recorded delivery to you at your last known address. Because an insurance policy can only provide cover in respect of accident, illness, loss or damage for an event/occurrence which is sudden, unforeseen and beyond your reasonable control, you must also tell us if you are aware of any circumstances at the time you purchase this insurance, or at any time afterwards, which could possibly result in you having to make a claim; otherwise you may not be covered. You can do this by calling: We reserve the right to charge an additional premium, amend the policy terms, or decline to offer cover if we feel that the information you give us changes our assessment of the risk involved. If you need need to declare a medical condition or If you have any questions about the cover provided please contact Open 8am 8pm Mon-Fri, 9am 5pm Saturdays If you are declaring a medical condition please make sure you have all your medical information and medication details and policy number to hand

5 Disclosure of your medical conditions Your policies may not cover claims arising from your medical conditions. You need to tell us anything you know that is likely to affect our accepting you for cover. So that we can ensure you are provided with the best cover we can offer please read and answer the following questions accurately and carefully: Have you or anyone travelling with you ever had treatment for: No Any heart or circulatory condition? A stroke or high blood pressure? A breathing condition (including Asthma)? Any type of Cancer? Any type of Diabetes? Has your doctor altered your regular prescribed medication in the last 3 months? In the last 2 years - have you, or anyone who is travelling with you, been treated for any serious or re-occurring medical condition, asked to take regular prescribed medication, or referred to a specialist or consultant at a hospital for tests, diagnosis or treatment? No Are you waiting for any tests, treatment or a non-routine hospital appointment? No Do any close relatives, business associates or friends who are not travelling with you have an existing medical condition (even if considered as stable, under control or in remission)? No Yes Yes Yes Yes Yes Yes Yes Yes Yes If you have answered yes to the questions on the left, you must tell us, in order to obtain cover for your medical condition(s), although an increased premium or excess may be required to do so. To enable us to consider your medical condition please contact Travel Administration Facilities on am-8pm Monday- Friday 9am-5pm Saturdays Should we require any additional premium, and you accept our offer, this should be paid to Travel Administration Facilities either by credit card or cheque, made payable to URV, and sent within 14 days of our offer. Should you decide not to pay the additional premium the declared medical condition will not be covered. Full confirmation of our terms and conditions will be sent out to your address after your call. Any additional medical conditions not declared to us will not be covered. We are unable to provide cover for any existing medical condition of a travelling companion who is not insured with us, a non-travelling close relative or a close business associate, or any recognised complication caused by the existing medical condition. Change in health Page 4 If your health or your ongoing medication changes between the date the policies were bought and the date of travel you must advise Travel Administration Facilities as soon as possible on: am-8pm Monday- Friday 9am-5pm Saturdays We will advise you what cover we are able to provide, after the date of diagnosis. We reserve the right to increase the premium, increase the excess, exclude the condition or withdraw the cover should the stability of the condition make it necessary. We do not provide any cover for: Claims caused by an existing medical condition of a travelling companion who is not insured with us, a nontravelling close relative or a close business associate, or any recognised complication caused by the existing medical condition. Any circumstances that are not specified in your policies. Full Cover is available under this policy. If your answers to any of the above change to YES during the period of insurance, please contact us

6 What to do in a medical emergency or admission to hospital Page 5 Your policy is designed to cover your reasonable costs incurred in the event of an unforeseen medical emergency whilst you are on your trip. The notes below are designed to help you in the event that you need to make a claim under this section of the policy. This policy does not cover the cost of private medical treatment unless it has been authorised by us Our experience shows that medical incidents fall into two categories, namely: Outpatient treatment usually involving minor ailments which entail a visit to the local chemist, doctor or clinic, and Inpatient treatment which usually entails an admission to a hospital or clinic. Below you will find advice on what to do in each instance: Outpatient treatment If you need to see a doctor, ask your hotel reception or tour representative for the nearest public / state medical facility. Some hotels will urge you to seek private treatment, however this is not necessary, private medical facilities vary greatly and are not equipped to deal with all emergencies, they may give you unnecessary treatment and at inflated prices- if you are ever in doubt please call the assistance team for advice on where to seek treatment. In Europe you should show them your EHIC card. Medical treatment should be free or at a reduced cost, if so you will not be required to contribute towards the claim because the policy excess will be reduced to NIL. You will only be covered for the cost of private treatment in these countries if this is approved in advance by our 24 hour emergency assistance service: +44 (0) Elsewhere it is advisable to seek advice on where to go for treatment from our 24 hour medical helpline +44 (0) if possible, as standards of medical facilities vary greatly and to avoid unnecessary admissions and treatment at inflated prices. How to pay for your treatment: Outpatient bills less than 500 should be paid by you at the time and claimed on your return. It is very important to obtain an itemised receipt for any monies paid for medical treatment. In the event that you need to seek outpatient treatment when you are travelling in any of the countries listed below then it may be that immediate payment can be arranged locally using the services of Charge Care International whom we have appointed to act on our behalf. To take advantage of this service please show the treating doctor or clinic the logo printed here as this will enable then to identify our membership and avoid language difficulties. If the hospital you are treated at subscribes to this service they will ask to see your proof of insurance so it is important to carry this with you. You will be asked to complete a simple Charge Care form to confirm the nature of the treatment received. For those countries that the EHIC doesn t apply or if you have not presented it at the time of treatment, the doctor/clinic will collect the policy excess from you and send their bill to ChargeCare for payment. The countries where this service is available are: Greece and the Greek Islands, Cyprus, Bulgaria, Egypt and Turkey In- patient treatment In the event of a serious emergency, you should call an ambulance using the local equivalent of a 999 number and then contact the 24 hour emergency assistance number to obtain advice. We strongly suggest you put their telephone number +44 (0) into your mobile phone before you travel so that it is to hand if you need it. Get details of the hospital you are being taken to so that our 24 hour emergency assistance service will be able to obtain a medical report if required. If you are unable to contact our 24 hour emergency assistance number prior to your admission to a hospital or clinic, you must contact them as soon as you possibly can. You will need to have some basic information for them to hand: your telephone number in case you are cut off patient s name, age and as much information about the medical situation as possible name of the hospital, ward, treating doctor and telephone numbers if you have them tell them that you have Villa Plus travel insurance, your receipt number and the date it was bought patient s UK GP contact details in case they need further medical information What will happen next? Once you have contacted our 24 hour emergency assistance number you will speak to a member of the operations team who will take down the basic particulars of your case, and allocate a case number. If necessary they will confirm that you are insured and provide the hospital or clinic with the appropriate billing instructions. Your case may be referred to one of the doctors on the team who will, if necessary, contact you to ascertain the exact nature of your injury or illness and then put in place the appropriate strategy to ensure that you receive the correct treatment and, if required, advice on your repatriation.

7 What to do in a medical emergency or admission to hospital - continued Page 6 Your policy is designed to cover your reasonable costs incurred in the event of an unforeseen medical emergency whilst you are on your trip. The notes below are designed to help you in the event that you need to make a claim under this section of the policy. This policy does not cover the cost of private medical treatment unless it has been authorised by us Other things to bear in mind We understand that if you are suddenly faced with a medical emergency it can be very stressful and frightening. The following is a guide to help you cope in such a situation, and understand how the 24 hour emergency assistance service will work on your behalf. Always remember that your travel insurance does not cover the cost of private medical treatment unless it has been approved by our 24 hour emergency assistance service We suggest that you nominate one person to be the contact point for the 24 hour emergency assistance service, this will ensure that they are not trying to explain matters to numerous people, which simply causes confusion and delay for everyone concerned. Make sure your mobile phone is fully charged, and able to receive incoming calls when you are abroad. It will not always be possible for the 24 hour emergency assistance service doctor to call you back straight away, this could be due to time zone differences or because he is awaiting further information from the treating doctor or hospital. This does not mean that you have been forgotten, and wherever possible a member of the operations team will keep you regularly updated. Please remember that the first priority of the 24 hour emergency assistance service is your safety and wellbeing, and that they will take the appropriate action necessary to ensure this. Such action could entail: Moving you from a private facility (if you have not been admitted to a state registered hospital) where the standard of treatment might be inadequate or the price of treatment inflated for tourists. A request for further tests to be made by the treating doctor to evaluate when, and what method of repatriation would be suitable. Recommending an extended stay in the hospital (or a local hotel) until your condition has stabilised sufficiently to allow your safe return home. Although the local doctor might discharge you from hospital and suggest that you can return home, there are regulations imposed by airlines regarding when you can, and cannot fly following a serious accident or an operation. Our 24 hour emergency assistance service are experts in aviation medicine, and the decision as to when it is safe for you to fly home should be left in their hands. Never provide a medical facility with your credit card details or surrender your passport to them. What happens if you miss your return flight due to illness or injury? Don t worry, provided you have contacted our medical assistance service your policy will be automatically extended to cover you until it is agreed that you are fit to travel home. Our medical assistance service will liaise with you and, where necessary, with your treating doctor to decide when you are fit to travel. What if I want to come home early? This policy covers you to come home early because you are ill or injured, only if medical treatment is not available locally and if authorised by our24 hour emergency assistance service. If you are thinking of cutting short your trip because you are not well then you must contact our 24 hour emergency assistance service on +44 (0) for advice first. If you need to come home for any other reason, such as the illness of a close relative in the UK then you should make your own arrangements, bearing in mind your duty to act at all times as if uninsured. If you are not sure whether your circumstances are included in the cover then call Travel Claims Facilities. +44 (0) their office hours are 9-5 Monday to Friday

8 You need to: How to make a claim Page 7 First, check your schedule of insurance and your policy to make sure that what you are claiming for is covered So that you receive the most efficient claims service possible please read the following carefully If you need to make a claim under your travel policies Please contact TRAVEL CLAIMS FACILITIES +44 (0) Open 9am 5pm Monday Friday You can also download a claim form on the internet at: Details of the information required to claim under Policy A or Policy B of your travel policy, are shown under the column headed if you need to claim under each section of the policy. Produce your Villa Plus booking confirmation which confirms you are insured before a claim is admitted. Give us full details in writing of any incident that may result in a claim under any section of the policy at the earliest possible time. Provide all necessary information and assistance we may require at your own expense (including where necessary medical certification and details of your National Health number or equivalent and private health insurance). Pass on to us immediately every writ, summons, legal process or other communication in connection with the claim. Provide full details of any House Contents and All Risks insurance policies you may have. Ensure that all claims are notified within 3 months of the incident occurring. Not abandon any property to us or the claims office. Not admit liability for any event or offering to make any payment without our prior written consent. The following conditions apply when making a claim We can: Cancel all benefits provided by this policy without refund of premium when a payment has been made for cancellation or curtailment of the trip. Not make any payment for any event that is more specifically covered by another insurance policy. Only pay a proportionate amount of the claim where there is other insurance in force covering the same risk and to require details of such other insurance. Settle all claims under the Law of the country that you live in within the United Kingdom or the Channel Islands unless we agree otherwise with you. Make your policy void where a false declaration is made or any claim is found to be fraudulent. Take over and deal with in your name the defence/settlement of any claim made under the policy. Subrogate against the responsible party and take proceedings in your name but at our expense to recover for our benefit the amount of any payment made under the policy. Obtain information from your medical records (with your permission) for the purpose of dealing with any medical claims. No personal information will be disclosed to any outside person or organisation without your prior approval. Submit any disputes arising out of this contract to the exclusive jurisdiction of the courts of the country that you live in within the United Kingdom or the Channel Islands.

9 How your policies work Page 8 YOUR POLICY WORDINGS CANCELLING YOUR POLICIES BE CAUTIOUS PREGNANCY MEDICAL COVER EHIC MEDICARE YOUR CONTRIBUTION OTHER POLICIES Your insurance document shows details of your pre-travel and travel insurance policies, and any additional policy extensions including the sections of cover, limits, conditions, exclusions, and information on what to do if you need to claim. The policy is a legal contract between us and you. We will pay for any insured event, as described in the policy, that happens during the period of validity and for which you have paid the appropriate premium. Travel insurance policies have specific requirements for both purchasing and making successful claims. Please take the time to read and understand it straight away as not all policies are the same. All risks which are covered are set out clearly in sections with conditions, limits and exclusions (things which are not covered); NOTE: cover is only available for circumstances specified in the policy and if your circumstances do not fit those criteria then there is no cover in place. You have a cooling off period where, should you decide that you find that the terms and conditions do not meet your requirements and provided you have not travelled or claimed on the policy, you can advise Travel Administration Facilities within 14 days of purchase for a full refund to be considered. Should you wish to cancel your policy outside of the 14 day cooling off period, and can confirm that there have been no claims on the policy and that you have not travelled, in addition to a 15 administration charge; the following cancellation terms will be applied dependant on what type of policy you have purchased. In the event you have not travelled and are not claiming on the policy, a refund of 50% of the policy premium and any additional premium applied to your existing medical conditions will apply. If you are intending to claim, or have made a claim (irrespective of whether your claim was successful or not) we will not consider refunding any proportion of your premium. We reserve the right to give 7 days notice of cancellation of this policy, without refund, by recorded delivery to you at your last known address in the event of the following circumstances; fraud, suspected fraud, misleading information or deliberate misrepresentation, abusive behaviour to any of our staff or agents. This policy is designed to cover most eventualities whilst you are on your trip. It does not provide cover in all circumstances and we expect that you take all possible care to safeguard against accident, injury, loss or damage as if you had no insurance cover. Our policies include emergency medical expenses cover for pregnancy and childbirth from week 0 to week 28 whilst you are away. From the start of week 29 to week 40 of the pregnancy, there is no cover for claims relating to normal pregnancy and normal childbirth or cancellation, however, medical expenses and cancellation cover will be provided if any of the following complications arise: Toxaemia, Gestational hypertension, Ectopic pregnancy, Post-partum haemorrhage, Pre-eclampsia, Molar pregnancy or hydatidiform mole, Retained placenta membrane, Placental abruption, Hyperemesis gravidarum, Placenta praevia, Stillbirth, Miscarriage, Emergency Caesarean, A termination needed for medical reasons, Premature birth more than 12 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date. Please note we will not cover denial of boarding by your carrier so you should check that you will be able to travel with the carrier/airline in advance as regulations vary from one carrier/airline to another. Your travel policy is not private health insurance, in that it only covers unavoidable emergency treatment. You need to check that you have had all the recommended vaccinations and inoculations for the area you are travelling to. If you have an existing medical condition accepted by Travellers HealthCheck it is a requirement that you check with your doctor that it is safe for you to travel bearing in mind your method of travel, the climate and the availability and standard of local medical services in your chosen destination. It is often wise to carry additional supplies of your regular prescribed medications in your hand luggage in case your bags are delayed. Cover will not be given if travel is against the advice of your doctor. The European Health Insurance Card (EHIC) allows you (provided you are a UK resident) to access state-provided healthcare in all European Economic Area (EEA) countries and Switzerland at a reduced cost and in many cases free of charge. You must carry it with you when travelling abroad. Remember to check your EHIC is still valid before you travel. Applying on for the card is free and it's valid for up to five years. If your EHIC has been presented to, and accepted the medical facility where you have obtained medical treatment abroad, and the invoice clearly shows that the cost of any treatment has been waived or provided at a reduced cost any applicable policy excess under Section B2 will be reduced to Nil. If you are travelling outside the EEA then there are some countries that have reciprocal agreements with the UK and these can be found on If you are travelling to Australia you must register with Medicare on arrival. There is a Medicare office in all major towns and cities in Australia. Registration is free and this will entitle you to reduced medical charges from doctors, reduced prescription charges and access to Medicare hospitals. Your policy carries an excess and this is the amount you have to contribute towards each claim. All excesses shown for this policy are payable by each insured-person, per section and for each incident giving rise to a separate claim. Your contribution may be increased to include existing medical conditions confirmed in writing by Travellers HealthCheck. The increased contribution will apply to all persons insured on the policy whose claim has been caused by the declared medical condition. If an excess waiver has been paid then standard excess is not applied, however any increased medical excess is still applied in the event of a claim resulting from the condition/s it is attached to. Your policy will not make any payment for any event that is more specifically covered by another insurance policy, and will only pay a proportionate amount of a claim where there is other insurance in force (such as Home Contents and All Risk insurance policies) covering the same risk, and we will require you to provide details of such other insurance.

10 Definitions Where these words are used throughout your policy they will always have this meaning: Page 9 BOOKING AGENT BUSINESS ASSOCIATE CASH a person or organisation that makes reservations for travel or accommodation on your behalf. a business partner, director or employee of yours who has a close working relationship with you. sterling or foreign currency in note or coin form. FLIGHT HOME HOME COUNTRY a service using the same airline or airline flight number. one of your normal places of residence in the United Kingdom or the Channel Islands. both the United Kingdom the Channel Islands, and your country of nationality. CHANGE IN HEALTH CHANNEL ISLANDS CLOSE RELATIVE any deterioration or change in your health between the date the policy was purchased and the date of travel, this includes new medication, a change in regular medication, deterioration of a previously stable condition, referral to a specialist, investigation of an undiagnosed condition or awaiting treatment/consultation. Jersey, Guernsey, Alderney, Sark, Herm, Jethou, Brecqhou and Lihou. spouse or partner of over six months, parents, grandparents, legal guardians, parents-in-law, step-parents, aunt, uncle, brother, sister, child, grandchild or fiancé(e) INSURED-PERSON YOU/YOUR INTERNATIONAL DEPARTURE POINT MANUAL LABOUR PAIR OR SET any person named in the schedule of insurance the airport, international rail terminal or port from which you departed from your home country to your destination, and from where you depart to begin the final part of your journey home at the end of your trip work involving the lifting or carrying of heavy items in excess of 25Kg, work at a higher level than two storeys or any form of work underground. two or more items of possessions that are complementary or purchased as one item or used or worn together. CRUISE a pleasure voyage of more than 72 hours duration, sailing on sea/s or oceans and includes stops at various ports. Please note that this policy does not provide cover if you are going on a cruise. POSSESSIONS Clothes & footwear Each of your suitcases and containers of a similar nature and their contents and articles you are wearing or carrying: Underwear, outerwear, hats, socks, stockings, belts, braces, boots, shoes, trainers and sandals CURTAILMENT ESSENTIAL ITEMS EUROPE EXISTING MEDICAL CONDITION the cutting short of your trip by your early return home or your repatriation to a hospital or nursing home in your home country. Payment will be made on the number of full days of your trip that are lost from the day you are brought home. underwear, socks, toiletries and a change of clothing. all countries west of the Ural Mountains, Algeria, Morocco, Tunisia, Turkey, the Azores, Mediterranean Islands. Including Spain, Balearics, Madeira and Canary Islands. any serious or recurring medical condition which has been previously diagnosed or been investigated or treated in any way, at any time prior to travel, even if this condition is currently considered to be stable and under control. Cosmetics & toiletries Luggage Electrical Items Jewellery & watches Photographic Equipment Eyewear make-up, hair products, perfumes, creams, lotions, deodorants, brushes, combs, toothbrushes, toothpastes and mouthwashes. Suitcases, hold-alls, rucksacks, briefcases, satchels, bags, handbags, purses and wallets. any item requiring power, either from the mains or from a battery and any equipment used with them such as CDs, games, tapes, cassettes or cartridges. rings, watches, necklaces, earrings, bracelets, body rings, any semi or non precious stones or metals or costume jewellery. cameras, video cameras, camera cases, stand, satellite navigation equipment, films, discs or cartridges spectacles, sunglasses, prescription spectacles or binoculars. Duty free Any items purchased at duty free

11 Definitions continued Page 10 PUBLIC TRANSPORT REDUNDANCY RESIDENT buses, coaches, internal flights or trains that run to a published scheduled timetable. Being an employee where you qualify under the provision of the Employment Rights Acts, and who, at the date of termination of Employment by reason of redundancy, has been continuously employed for a period of two years or longer and is not on a short term fixed contract. A person who has their main home in the United Kingdom or the Channel Islands and has not spent more than six months abroad in the year before buying this policy TRAVELLING COMPANION TRIP UNATTENDED a person(s) with whom you have booked to travel on the same travel itinerary and without whom your travel plans would be impossible. A holiday or journey that begins when you leave home and ends on your return to either (i) your home, or (ii) a hospital or nursing home in the United Kingdom or Channel Islands, following your repatriation. Both during the period of cover. Left away from your person where you are unable to clearly see and are unable to get hold of your possessions. SINGLE ARTICLE SPORTS AND ACTIVITIES Means any single item that is not part of a pair or set any recreational activity that requires skill and involves increased risk of injury. UNITED KINGDOM WE/OUR/US United Kingdom England, Wales, Scotland, Northern Ireland and the Isle of Man. Union Reiseversicherung AG UK If you are taking part in any sport please refer to page 20 where there is a list of activities informing you of which activities are covered on the policy as standard. Should the activity you are participating in not appear it may require an additional premium so please call us: The activity extension extends the policy cover so that you will be covered for emergency medical expenses in the event that you are injured whilst participating in your chosen activity.

12 Exclusions applying to your policies Page 11 Below are some important exclusions which apply to your pre travel and travel policies. It is recommended that you read this along with the conditions and exclusions which apply to the individual sections of your policies, so that you are aware of what is, and what is not covered. APPLYING TO ALL SECTIONS OF YOUR POLICIES: You are not covered under any section, unless specified, for any of the following circumstances: If you purchased this insurance after you started your trip. Manual labour. (see definition page 9) Any costs incurred before departure (except cancellation) or after you return home. You piloting or travelling in an aircraft not licensed to carry passengers. You travelling on a motorcycle or moped for which you do not hold a full licence or More than the proportionate cost of any loss where you have not insured for the full CBT to ride in your home country. If you are riding pillion, the rider must hold a full cost of your trip. licence or CBT Loss of earnings, additional hotel costs, additional car hire, Visa s, ESTAs, additional parking fees, vaccinations, inoculations, kennel fees or any other loss unless it is specified in the policy. Cruises. (see definition page 9) The cost of taxi fares, telephone calls, faxes or any expenses for food or drink. Any claim arising from an incident known by you at the time of buying this policy or which occurs between booking and travel unless it has been disclosed to us and we have agreed in writing any terms applicable. The operation of law, or as a result of an unlawful act or criminal proceedings against anyone included in your booking. Or any deliberate or criminal act by an insuredperson. Any existing medical condition or health condition that has been diagnosed, been in existence or for which you have received treatment from a hospital or specialist consultant or for which you are awaiting or receiving treatment or under investigation unless we have agreed cover in writing and any additional premium has been paid. Any claim due to your carrier s refusal to allow you to travel for whatever reason. You travelling on a motorcycle or moped without wearing a crash helmet, whether legally required locally or not. Any payments made or charges levied after the date of diagnosis of any change in your health or medication after the policy was bought unless this has been advised to us and any revised terms or conditions have been confirmed in writing. Your suicide, self-injury or any wilful act of self-exposure to danger (except where it is to save human life). In respect of all sections other than emergency medical expenses, war, terrorism, biological or chemical warfare, invasion, act of foreign enemy, hostilities (whether war has been declared or not), civil war, rebellion, revolution, insurrection or military or usurped power. Participation in any sports and activities unless the appropriate additional premium has been paid and the policy endorsed. (see definitions for sports and activities page 10) Any costs which are due to any errors or omissions on your travel documents. Your failure to obtain the required passport, visa or ESTA. Delay, confiscation, detention, requisition, damage, destruction or any prohibitive regulations by Customs or other government officials or authorities of any country. You travelling against the advice or recommendations published by the Foreign and Commonwealth Office applicable at the time of your departure. You or your close relative or business associate being under the influence of drugs Any claim that is due to any failure (including financial) of your travel agent or tour (except those prescribed by your registered doctor but not when prescribed for operator, any transport or accommodation provider, their agent or anybody who is treatment of drug addiction), alcohol (a blood alcohol level that exceeds 0.19% - acting as your agent. approximately four pints or four 175ml glasses of wine) or solvents or anything relating to you or your close relatives or business associate prior abuse of alcohol or solvents.

13 Policy A - Your pre-travel policy - If you are not able to go on your trip (Policy A Section 1) Page 12 Up to 3,000 We will pay: for your proportion of prepaid: i. transport charges, ii. iii. loss of accommodation, foreign car hire that you have paid or have agreed to pay, that you cannot recover from any other source, following your necessary cancellation after you purchased this insurance resulting in financial loss. If you are unable to travel because: you, or a travelling companion is ill, injured or dies before the trip starts. a close relative or a close business associate of yours in your home country is ill, injured or dies before the trip starts. the person you are going to stay with is ill, injured or dies before the trip starts. you are required for jury service or as a witness in a court of law. you, or a travel companion being made redundant. of the requirements of HM forces. No cover is provided under this section for: anything mentioned in the conditions or general exclusions (page 11). the fear of an epidemic, pandemic, infection or allergic reaction. your disinclination to travel or any circumstance not listed above. your carrier s refusal to allow you to travel for whatever reason. Provided you: have paid or accept that your contribution will be deducted from any settlement. accept that we will not pay more than the proportionate cost of your trip where you have not insured for the full cost. have complied with the health declaration on page 6 and cancellation is not due, or caused by, an existing medical or psychological condition unless we have agreed cover in writing, and additional premium has been paid. accept that there is no cover for cancellation due to any elective or pre-arranged treatment, this includes being given a date for treatment which coincides with your trip dates, as well as complications as a result of elective, pre-arranged or cosmetic treatment, unless declared and accepted by us in writing. have obtained a written statement from the treating doctor at the time of the cancellation confirming the necessity to cancel your trip. accept that your claim is limited to the cancellation charges applicable on the date the GP initially diagnosed or investigated the condition. No payments/cancellation charges after this date will be reimbursed. are not cancelling due to the death, injury or illness of any pets or animals. accept that we can only offer to medically screen and extend cover for existing medical conditions to our own policyholders so if any of the following people cause you to cancel because of a reoccurrence or complication of a medical condition diagnosed prior to booking, you will not be covered: a travel companion not insured by us; a non-travelling close relative of you, or your travel companion; a non-travelling business associate of you, or your travel companion. are not claiming for the cost of Air Passenger Duty (or equivalent), airport charges and booking charges, or any payments or part payment made were using frequent flyer vouchers, Air Miles vouchers or other vouchers that have no financial face value. are not cancelling due to a criminal act committed by you or where you are the defendant in the court case. are not claiming due to financial circumstances or unemployment except when it is due to a compulsory redundancy notice which you received after buying this insurance, and you have been in continuous employment for two years. (see definition-redundancy). have been granted leave orders (and these have not been withdrawn by your employer on disciplinary grounds). If you need to claim: Download or request a cancellation claim form and ensure that the medical certificate in the cancellation claim form is filled by the General Practitioner of the persons whose injury, illness or death has caused the cancellation. As well as providing the claims handlers with required documentation as listed on the front of your claim form. Inform your tour operator/travel agent/flight company immediately of your necessity to cancel and request a cancellation invoice. Provide us with your original summons notice. Obtain written confirmation to validate your circumstances. Obtain written confirmation to validate your circumstances. the cancellation of your trip by the tour operator. a previously diagnosed condition of any close relatives or business associate. your failure to obtain required ESTA or Visa in time. the advice or recommendation of the Foreign and Commonwealth Office applicable at the time of your departure.

14 Policy B - Your travel policy - If your travel plans are disrupted (Policy B Section 1) Page 13 We will Pay: If: Provided: If you need to claim: 20 trip disruption allowance per 12 hours up to a maximum of 100 up to 3,000 cancellation of your trip. up to 800 for alternative transport to get you to your trip destination. the departure of your international flight, international train or sailing is delayed for more than 12 hours from its scheduled departure time from your international departure point. after 24 hours of delay at the international departure point of your outbound journey from your home country you abandon the trip. on your outbound journey, you are unable to reach your international departure point and check in on time for your pre-booked departure either because your public transport is delayed, or the vehicle in which you are travelling becomes undriveable due to mechanical failure or being involved in an accident, causing you to miss your departure. you are at the airport and the delay is over 12 hours. delay is not due to the diversion of aircraft after it has departed. Download or request and complete a departure delay claim form. your trip is not less than 2 days duration or is a one-way trip. your contribution has been paid or deducted from any settlement. you have allowed sufficient time to check-in as shown on your itinerary. the claim is not due to the failure of public transport services that is due to a strike or industrial action that started or that had been announced before the date of your departure from home. you have provided independent written confirmation from the relevant transport authority of the reason for the delay. that if you are claiming due to the vehicle in which you were travelling becoming undriveable due to mechanical failure or being involved in an accident you provide written confirmation from the relevant breakdown service and in the case of an accident a police report. You are not claiming for your missed return journey back to the United Kingdom Obtain written confirmation from your airline, railway company, shipping line or their handling agents that shows the scheduled departure time, the actual departure time and reason for the delay of your flight, international train or sailing. You will need to obtain independent confirmation of the circumstances. No cover is provided under this section for: anything mentioned in the general conditions or exclusions (page 11). any compensation when your tour operator has rescheduled your flight itinerary or the airline/railway company/shipping line/handling agents offer or provide alternative transport that departs within 12hrs.

15 If you need emergency medical attention (Policy B Section 2) Page 14 We will pay: For: Provided you are not claiming for: If you need to claim For trips outside your home country: up to 2,000,000 following necessary emergency expenses that are payable within six months of the event that causes the claim that results from your death, injury or illness: public hospital benefit of 20 per 24 hours, up to a maximum of 300. up to a maximum cost of 2,000 up to 100 customary and reasonable fees or charges to be paid outside your home country for necessary and emergency medical, surgical, hospital nursing home or nursing services. additional travel, accommodation and repatriation costs to be made for or by you and for any one other person who is required for medical reasons to stay with you, to travel to you from your home country or to travel with you, where it is deemed medically necessary. the cost of returning your body to your home following your death outside your home country. each full day that you are in a public hospital as an in-patient during the period of the trip in addition to the fees and charges. your death outside your home country for your burial or cremation, including the cost of returning your ashes home. emergency dental treatment only to treat sudden pain. any costs where you have not paid your contribution. treatment due to, or a complication of, an existing medical condition unless we have agreed cover in writing and any additional premium has been paid. any elective or pre-arranged treatment or any routine non-emergency tests or treatment, this includes complications of elective, prearranged or cosmetic treatment. costs of private treatment unless our 24 hour medical helpline has agreed and adequate public facilities are not available. replenishment of any medication you were using at the start of the trip, or follow up treatment for any condition you had at the start of your trip. the cost of early repatriation when medical treatment of a standard acceptable by our medical director is available locally. the cost associated with the diversion of an aircraft due to your death, injury or illness. repairs to or for artificial limbs or hearing aids. the cost of diagnostic tests or treatment for any existing condition other than that which has caused the immediate emergency. any extra costs for single/private accommodation in a hospital or nursing home. any dental work involving the use of precious metals to or for the provision of dentures, crowns or veneers. any dental treatment or work which could wait until your return home. any in-patient treatment or any bills over 500 where you have not first called our Emergency assistance service to authorise. FOR MEDICAL EMERGENCIES +44 (0) Call our 24 hour medical helpline 24 hours a day, 7 days a week, from anywhere in the world Download or request a claim form for Emergency Medical Expenses and complete to the best of your ability. For non-emergency cases, visits to doctors, hospital outpatients, or pharmacies you must keep and provide us with all (original) receipts accounts and medical certificates. For cases where our 24 hour medical helpline were informed please provide (in addition to the above) your case number or name of the person you spoke to. A photocopy or scanned image of your EHIC card (if traveling within Europe). Your policy is intended to cover immediate treatment in an emergency situation. We reserve the right to repatriate you immediately for treatment in your home country when this is deemed to be preferable regardless of your original travel plans. All medical decisions are at the discretion of our medical director. It is essential for you to contact our 24 hour medical helpline prior to being admitted anywhere, in this instance we may arrange for a local transfer to a hospital better equipped for your immediate needs. No cover is provided under this section for: anything mentioned in the conditions or general exclusions (page 11) Including any treatment, tests, associated illnesses to existing conditions and psychological disorders. any costs where you are an inpatient or it is a repatriation claim and our 24 hour medical helpline has not been notified or has not agreed the costs, we reserve the right to decline associated costs. services or treatment received by you, including any form of cosmetic surgery OR any treatment received by you after the date that in the opinion of our 24 hour medical helpline, in consultation with your treating doctor, you can return home or which can reasonably wait until you return to your home country.